Laura Berry

Former Insurance Agent

Former Insurance Agent

Joshua Adamson

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

UPDATED: Dec 11, 2023

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Say Insurance Company Overview
Key InformationDetails
Year Founded2016
Current ExecutivesPresident and CEO: Matt Moore
Number of Employees1,143
Total Revenue (2020)$293 Million
HQ Address1817 W Broadway, Columbia, MO 65218
Phone Number800-225-5729
Company Website

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When you’re shopping for auto insurance, we know the number of options available to you can be overwhelming. Reading company reviews like this Say Insurance car insurance review is one way to help narrow down your choices.

In this review, we’ll answer questions like whether the company is legitimate, where you can buy coverage, who owns the company, whether you can get affordable Say Insurance car insurance, how to get Say Insurance car insurance quotes, and more.

Before we jump into this Say Insurance car insurance review, take a moment to use your ZIP code in the tool on this page. You’ll get free quotes from top companies so you can compare and save.

What are average Say Insurance car insurance rates?

How much you’ll pay for a policy with Say Insurance is probably one of the most significant factors in your decision-making process. So how much are average Say Insurance car insurance rates?

The Say Insurance car insurance company doesn’t publish its rates. But, the company does promise savings of up to $187 per month if you switch. This adds up to $1,126 per policy term. The exact amount you could save will vary based on your age, driving habits, discounts and perks you qualify for (we’ll discuss Say Insurance’s offerings later), etc.

Say Insurance, a subsidiary of Shelter Insurance, is a small company, which can mean better rates for customers. This may seem counterintuitive, but in reality, smaller companies can offer lower rates because they can tailor their offerings specifically to individual needs.

Smaller companies can also lower company risk by avoiding insuring high-risk drivers, which keeps base rates lower. Say Insurance does this by refusing to sell policies to drivers who need an SR-22.

Say Insurance also prioritizes transparency with customers. This includes providing customers with their insurance scores to understand better how their rates are generated. The number Say shares with customers is referred to as a Say score and is calculated using typical insurance score factors like your age, credit score, and driving record, as well as a proprietary Say Insurance formula.

Say Insurance uses your Say score to calculate your rates, reward customer loyalty, and more.

Keep reading to find out whether or not Say Insurance currently sells coverage where you live.

Where can you buy Say Insurance car insurance?

Say Insurance currently sells coverage in six states:

  • Missouri
  • Tennessee
  • Kansas
  • Colorado
  • Illinois
  • Indiana

Say Insurance is planning to expand across the country, so if it’s not available in your state yet, it should be in the future.

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What are the company ratings for Say Insurance?

Knowing availability and rates is great, and both are important when you’re deciding on a car insurance company, but there are other factors to consider. Customer service ratings and financial stability are both critical data points when you’re shopping for coverage.

According to customer reviews posted through the Better Business Bureau (BBB), Say Insurance has 4.5 out of five stars for customer satisfaction. In addition, the BBB gives Say Insurance an A+ accreditation.

Another resource for customer service information is the National Association of Insurance Commissioners (NAIC), which collects customer complaint information on insurance companies. The NAIC averages the data it collects to calculate the overall industry complaint rate. This complaint rate (signified by the number one) can then be compared to individual company data.

The NAIC doesn’t have Say Insurance complaint data at this time, but there is complaint data available for Say’s parent company, Shelter Insurance. The 2020 Shelter Insurance NAIC complaint index is well below the industry average at 0.58. While this number doesn’t reflect Say Insurance, we think it’s a reasonable indication of Say’s focus on customer service.

When you visit the Say Insurance website, not only does the company highlight its focus on customer service, it notes that it is backed by Shelter Insurance, which has a 75+ year reputation for excellent service.

The final factor we’ll consider here is financial stability. A.M. Best collects financial data on companies across the insurance industry and uses it to determine financial stability, the outlook for the future, and projected ability to pay any outstanding obligations. Like with the NAIC, there isn’t any data for Say Insurance, but Shelter Insurance has an A rating from A.M. Best, which is a positive indicator of the metrics we noted earlier.

What coverage options does Say Insurance offer?

What kind of coverage can you buy from Say Insurance? The company focuses on keeping its car insurance offerings simple, so you get excellent coverage without complication. Options include:

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/Underinsured motorist coverage
  • Medical Payment (MedPay) coverage

You’ll need to carry at least liability coverage that meets the minimum limits required in your state. However, this probably won’t be enough coverage to protect you, so it’s a good idea to review your options, consider using a car insurance calculator and work with your insurance company to decide what exactly you’ll need.

Does Say Insurance offer any car insurance add-ons?

With a Say Insurance car insurance policy, you’ll automatically get free roadside assistance. This protection includes coverage for incidents like a flat tire or a stalled vehicle. You’ll get $100 per incident in coverage, and anything above that will be an out-of-pocket cost to you.

Say Insurance sells rental reimbursement as an add-on. If you opt to include rental reimbursement in your policy, you’ll get coverage for a rental car when yours is being repaired after a covered incident.

New car replacement is another available add-on that protects you after a covered incident. With this add-on, if your vehicle is totaled after a covered incident, you’ll receive funds to purchase a replacement car of the same make and model, less your deductible.

Are there any discounts or other perks available with a Say Insurance car insurance policy?

Like many major insurance companies, Say Insurance offers several car insurance discounts, which can help you save on your rates. Available discount options include:

  • Advance purchase – discount for renewing your policy at least seven days in advance of its expiration
  • Anti-theft – discount for installing an approved anti-theft device on your car (only applies if you have comprehensive coverage)
  • Continuous insurance – discount for having no break in coverage before you buy a Say Insurance policy
  • Defensive driving course – discount for taking an approved defensive driving course
  • Multi-vehicle – discount for insuring more than one vehicle on your policy
  • Paperless – discount for electing to go paperless
  • Pay-in-full – discount for paying your policy upfront instead of monthly

You may also qualify for a few perks, like accident forgiveness and loyalty rewards. Accident forgiveness is available for drivers who have been in an accident that resulted in less than $1,000 in damages.

Loyalty rewards are applied based on your Say score (which we defined earlier). When you renew your policy, your Say score will automatically increase by 50 points, resulting in a 4% discount on your rates.

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How do you buy and manage a Say Insurance car insurance policy?

If you’re interested in a policy from Say Insurance, the first step is to get a quote, which you can do by going to the Say Insurance website. Once you have a quote, you can purchase a policy online if the coverage and cost are right for you. If Say Insurance covers you, you can manage your policy using the following:

  • Say Insurance website
  • Say Insurance app
  • Say Insurance customer service line (1-800-225-5729)

You can get the Say Insurance app through the App Store and the Google Play store. The Say app enables you to pay your car insurance bill monthly or annually, adjust your policy, file claims, get roadside assistance, and even access your digital insurance card.

How do you file a claim with Say Insurance?

If you’re in an accident, you’ll need to file a claim. This may not be the first thing on your mind in the immediate aftermath, but it’s crucial to get the claims process started as quickly as possible. If you can, contact Say Insurance either through the website, over the phone, or on the app before you leave the accident site.

You should collect the following information for your claim:

  • Contact information for everyone involved in the accident (including passengers)
  • Available information on any injuries that resulted from the accident
  • When, where, and how the accident occurred
  • Photos of the accident, damages, etc.
  • The police report number

Say Insurance will walk you through the claims filing process on whichever platform you choose (app, website, or phone call). Once you’ve completed your claim, get ready to hear from a claims adjuster. They will review your claim, answer your questions, and request any additional information necessary to finalize your claim. They’ll also ensure payments are made accurately and promptly after approval.

What are the pros and cons of Say Insurance?

We know even reading car insurance company reviews like this one can be overwhelming, so to summarize, we’ve compiled some pros and cons.


  • You’ll get free roadside assistance when you buy a Say Insurance policy
  • You can buy your Say Insurance policy entirely online
  • Say Insurance offers 24/7 customer service through a variety of avenues, including email, chat, and over the phone


  • You can only buy Say Insurance in Missouri, Tennessee, Kansas, Colorado, Illinois, and Indiana
  • You can’t buy Say Insurance in person because it’s only available online, which means you won’t get any face-to-face customer service
  • If you need an SR-22 to drive legally, reinstate your license, etc., you won’t be able to buy coverage from Say Insurance

Keep in mind these pros and cons are the ones we identified, and you may find yours differ, based on your needs and situation.

Say Insurance Car Insurance: The Bottom Line

Say Insurance, a subsidiary of Shelter Insurance, sells car insurance in six states. You can buy standard coverage and a few add-ons, including rental reimbursement, from the company. Say Insurance focuses on customer service and affordable rates and promises savings of up to $187 per month when you switch.

The BBB accredits Say Insurance with an A+ and reports strong customer satisfaction. Customer reviews posted to the BBB indicate a 4.5 out of five stars.

Regardless of whether Say Insurance car insurance is the right fit for your needs, you can save by comparing quotes from companies in your area. Get started by using your ZIP code in our tool to get free quotes right now.

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